The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$32,775
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$33,794
−HK$1,036/mo
Today · 4.125%
HK$34,830
baseline
▲ 0.50% · 4.625%
HK$36,949
+HK$2,119/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$69,660/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$538,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,461
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$37,439
−HK$992/mo
Today · 4.125%
HK$38,431
baseline
▲ 0.50% · 4.625%
HK$40,457
+HK$2,026/mo
Deposit HK$7.19M · loan HK$7.19M · min. income ≈ HK$76,862/mo (50% DSR)
Upfront cash ≈ HK$7.73M (deposit + AVD stamp duty HK$538,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,329
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$40,553
−HK$1,243/mo
Today · 4.125%
HK$41,796
baseline
▲ 0.50% · 4.625%
HK$44,339
+HK$2,543/mo
Deposit HK$5.75M · loan HK$8.62M · min. income ≈ HK$83,592/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$538,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,754
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$44,927
−HK$1,191/mo
Today · 4.125%
HK$46,118
baseline
▲ 0.50% · 4.625%
HK$48,548
+HK$2,430/mo
Deposit HK$5.75M · loan HK$8.62M · min. income ≈ HK$92,236/mo (50% DSR)
Upfront cash ≈ HK$6.29M (deposit + AVD stamp duty HK$538,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,884
−HK$2,878/mo
▼ 0.25% · 3.875%
HK$47,312
−HK$1,450/mo
Today · 4.125%
HK$48,762
baseline
▲ 0.50% · 4.625%
HK$51,729
+HK$2,967/mo
Deposit HK$4.31M · loan HK$10.06M · min. income ≈ HK$97,524/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$538,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,046
−HK$2,758/mo
▼ 0.25% · 3.875%
HK$52,415
−HK$1,389/mo
Today · 4.125%
HK$53,804
baseline
▲ 0.50% · 4.625%
HK$56,640
+HK$2,836/mo
Deposit HK$4.31M · loan HK$10.06M · min. income ≈ HK$107,608/mo (50% DSR)
Upfront cash ≈ HK$4.85M (deposit + AVD stamp duty HK$538,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,994
−HK$3,700/mo
▼ 0.25% · 3.875%
HK$60,829
−HK$1,865/mo
Today · 4.125%
HK$62,694
baseline
▲ 0.50% · 4.625%
HK$66,508
+HK$3,814/mo
Deposit HK$1.44M · loan HK$12.94M · min. income ≈ HK$125,388/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$538,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,630
−HK$3,546/mo
▼ 0.25% · 3.875%
HK$67,391
−HK$1,785/mo
Today · 4.125%
HK$69,176
baseline
▲ 0.50% · 4.625%
HK$72,823
+HK$3,647/mo
Deposit HK$1.44M · loan HK$12.94M · min. income ≈ HK$138,352/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$538,995 · Scale 2, in force from 26 Feb 2026)